Computer-based platforms and systems configured to enhance a call screen with user-controlled notes associated with the call and methods of use thereof

ABSTRACT

In some embodiments, the present disclosure provides an exemplary method that may include steps of obtaining a permission from the user to monitor a plurality of activities executed within the computing device; continually monitoring the plurality of activities executed within the computing device for a predetermined period of time; identifying an indication of an incoming interaction session within the predetermined period of time; verifying at least one session interaction parameter associated with the incoming interaction session to identify the incoming interaction session as a repeat interaction session; dynamically retrieving at least one relation-specific notation from a plurality of relation-specific notations to display; instructing an input GUI element to display input data associated with the repeat interaction; automatically updating the plurality of relation-specific notations associated with the historical data relationship; and instructing at least one programmable output GUI to display a notification identifying the update of the plurality of relation-specific notations.

COPYRIGHT NOTICE

A portion of the disclosure of this patent document contains materialthat is subject to copyright protection. The copyright owner has noobjection to the facsimile reproduction by anyone of the patent documentor the patent disclosure, as it appears in the Patent and TrademarkOffice patent files or records, but otherwise reserves all copyrightrights whatsoever. The following notice applies to the software and dataas described below and in drawings that form a part of this document:Copyright, Capital One Services, LLC, All Rights Reserved.

FIELD OF TECHNOLOGY

The present disclosure generally relates to computer-based platforms andsystems configured to enhance a call screen with user-controlled notesassociated with the call and methods of use thereof.

BACKGROUND OF TECHNOLOGY

-   -   Typically, an individual must retrieve plurality of questions or        inquires using a plurality of computing devices, which may        increase the amount of time needed to retrieve specific relevant        questions within the plurality of questions and decrease        optimization of conducting a plurality of interaction sessions        associated with a plurality of users.

SUMMARY OF DESCRIBED SUBJECT MATTER

In some embodiments, the present disclosure provides an exemplarytechnically improved computer-based method that includes at least thefollowing steps: obtaining, by at least one processor of a firstcomputing device associated with a user, via at least one graphical userinterface (GUI) having at least one programmable GUI element, apermission from the user to monitor a plurality of activities executedwithin the computing device; continually monitoring, by the at least oneprocessor of the first computing device, in response to obtaining thepermission from the user, the plurality of activities executed withinthe computing device for a predetermined period of time; identifying, bythe at least one processer of the first computing device, an indicationof an incoming interaction session being initiated with the user withinthe predetermined period of time; automatically verifying, by the atleast one processor of the first computing device, at least one sessioninteraction parameter associated with the incoming interaction sessionto identify the incoming interaction session as a repeat interactionsession when the at least one session interaction parameter of theincoming interaction session is associated with at least one of aparticular entity, a particular individual, or a particular physicallocation based on a database of known session interaction parameters;dynamically retrieving, by the at least one processor of the firstcomputing device, at least one relation-specific notation from aplurality of relation-specific notations to display via the at least oneGUI having the at least one programmable GUI element when the at leastone relation-specific notation provides additional information to ahistorical data relationship between the first computing device and anincoming interaction associated with a second computing device;instructing, by the at least one processor of the first computingdevice, to display an input GUI element via the at least one GUI that isprogrammed to receive input data associated with the incominginteraction associated with the second computing device; automaticallyupdating, by the at least one processor of the first computing device,the plurality of relation-specific notations associated with thehistorical data relationship between the first computing device and thesecond computing device based on the input data received via the inputGUI element; and instructing, by the at least one processor of the firstcomputing device, to display a notification, via at least oneprogrammable output GUI element of the at least one GUI, identifying theupdate of the plurality of relation-specific notations in response to anindication of the incoming interaction associated with the secondcomputing device.

In some embodiments, the present disclosure provides an exemplarytechnically improved computer-based system that includes at least thefollowing components of at least one processor configured to executesoftware instructions that cause the at least one processor to performsteps to: obtain via at least one graphical user interface (GUI) havingat least one programmable GUI element, a permission from the user tomonitor a plurality of activities executed within the computing device;continually monitor, in response to obtaining the permission from theuser, the plurality of activities executed within the computing devicefor a predetermined period of time; identify an indication of anincoming interaction session being initiated with the user within thepredetermined period of time; automatically verify at least one sessioninteraction parameter associated with the incoming interaction sessionto identify the incoming interaction session as a repeat interactionsession when the at least one session interaction parameter of theincoming interaction session is associated with at least one of aparticular entity, a particular individual, or a particular physicallocation based on a database of known session interaction parameters;dynamically retrieve at least one relation-specific notation from aplurality of relation-specific notations to display via the at least oneGUI having the at least one programmable GUI element when the at leastone relation-specific notation provides additional information to ahistorical data relationship between the first computing device and anincoming interaction associated with a second computing device; instructthe first computing device to display an input GUI element via the atleast one GUI that is programmed to automatically transcribe audio dataassociated with the incoming interaction session associated with thesecond computing device in real time; automatically update the pluralityof relation-specific notations associated with the historical datarelationship between the first computing device and the second computingdevice based on the input data received via the input GUI element; andinstruct the first computing device to display a notification, via atleast one programmable output GUI element of the at least one GUI,identifying the update of the plurality of relation-specific notationsin response to an indication of the incoming interaction associated withthe second computing device.

BRIEF DESCRIPTION OF DRAWINGS

Various embodiments of the present disclosure can be further explainedwith reference to the attached drawings, wherein like structures arereferred to by like numerals throughout the several views. The drawingsshown are not necessarily to scale, with emphasis instead generallybeing placed upon illustrating the principles of the present disclosure.Therefore, specific structural and functional details disclosed hereinare not to be interpreted as limiting, but merely as a representativebasis for teaching one skilled in the art to variously employ one ormore illustrative embodiments.

FIG. 1 depicts a block diagram of an exemplary computer-based system andplatform for automatically updating a computing device to display aplurality of relation-specific notations associated with the historicaldata relationship between at least two computing devices, in accordancewith one or more embodiments of the present disclosure.

FIG. 2 is a flowchart illustrating operational steps for automaticallyupdating a call screen within the computing device using the pluralityof relation-specific notations associated with the historical datarelationship between at least two computing devices, in accordance withone or more embodiments of the present disclosure.

FIGS. 3A-3C are diagrams illustrating exemplary graphical userinterfaces (GUIs) involving aspects and features associated with theplurality of relation-specific notations on a computing deviceassociated with a user, in accordance with one or more embodiments ofthe present disclosure.

FIG. 4 depicts a block diagram of an exemplary computer-basedsystem/platform in accordance with one or more embodiments of thepresent disclosure.

FIG. 5 depicts a block diagram of another exemplary computer-basedsystem/platform in accordance with one or more embodiments of thepresent disclosure.

FIGS. 6 and 7 are diagrams illustrating implementations of cloudcomputing architecture/aspects with respect to which the disclosedtechnology may be specifically configured to operate, in accordance withone or more embodiments of the present disclosure.

DETAILED DESCRIPTION

Various detailed embodiments of the present disclosure, taken inconjunction with the accompanying figures, are disclosed herein;however, it is to be understood that the disclosed embodiments aremerely illustrative. In addition, each of the examples given inconnection with the various embodiments of the present disclosure isintended to be illustrative, and not restrictive.

Throughout the specification, the following terms take the meaningsexplicitly associated herein, unless the context clearly dictatesotherwise. The phrases “in one embodiment” and “in some embodiments” asused herein do not necessarily refer to the same embodiment(s), thoughit may. Furthermore, the phrases “in another embodiment” and “in someother embodiments” as used herein do not necessarily refer to adifferent embodiment, although it may. Thus, as described below, variousembodiments may be readily combined, without departing from the scope orspirit of the present disclosure.

In addition, the term “based on” is not exclusive and allows for beingbased on additional factors not described, unless the context clearlydictates otherwise. In addition, throughout the specification, themeaning of “a,” “an,” and “the” include plural references. The meaningof “in” includes “in” and “on.”

As used herein, the terms “and” and “or” may be used interchangeably torefer to a set of items in both the conjunctive and disjunctive in orderto encompass the full description of combinations and alternatives ofthe items. By way of example, a set of items may be listed with thedisjunctive “or”, or with the conjunction “and.” In either case, the setis to be interpreted as meaning each of the items singularly asalternatives, as well as any combination of the listed items.

It is understood that at least one aspect/functionality of variousembodiments described herein can be performed in real-time and/ordynamically. As used herein, the term “real-time” is directed to anevent/action that can occur instantaneously or almost instantaneously intime when another event/action has occurred. For example, the “real-timeprocessing,” “real-time computation,” and “real-time execution” allpertain to the performance of a computation during the actual time thatthe related physical process (e.g., a user interacting with anapplication on a mobile device) occurs, in order that results of thecomputation can be used in guiding the physical process.

As used herein, the term “dynamically” and term “automatically,” andtheir logical and/or linguistic relatives and/or derivatives, mean thatcertain events and/or actions can be triggered and/or occur without anyhuman intervention. In some embodiments, events and/or actions inaccordance with the present disclosure can be in real-time and/or basedon a predetermined periodicity of at least one of: nanosecond, severalnanoseconds, millisecond, several milliseconds, second, several seconds,minute, several minutes, hourly, daily, several days, weekly, monthly,etc.

As used herein, the term “runtime” corresponds to any behavior that isdynamically determined during an execution of a software application orat least a portion of software application.

Embodiments of the present disclosure recognize technologicalcomputer-centered problems may arise when computer technology may beutilized to continually initiate interaction sessions with an individualusing at least one computing device, where a plurality of questions orinquires are commonly asked on each interaction session. Currently, asused herein, in some embodiments, the plurality of questions or inquiresmust be retrieved using a plurality of computing devices, which mayincrease the amount of time needed to retrieve specific relevantquestions within the plurality of questions and decrease optimization ofconducting a plurality of interaction sessions associated with aplurality of users. Typically, an agent of a call center identifies andretrieves the plurality of questions associated with the user. In someembodiments, the plurality of questions may require the user usually tofirst receive the plurality of questions and may have to simultaneouslyremain within the interaction session and retrieve a plurality ofanswers to the plurality of questions, which increases the amount oftime for the interaction session and decrease the optimization ofconducting of plurality of interaction sessions. In some embodiments,the plurality of answers to the plurality of questions may include,without limitation, any sensitive information (that can be further usedfor additional social engineering), credit card numbers, credentialsfull legal names, birthdates, home addresses, billing addresses,mother's maiden names, phone numbers, credit card information, financialinformation, login credentials, and the like. This technical problem isexacerbated when the agent of the call center requires at least oneanswer to proceed with the interaction session, where the user mustretrieve the answer during the interaction session and physically inputthe answer into a GUI element of the computing device. For example, theuser may input a unique identifier (e.g., Account PersonalIdentification Number “PIN”) associated with the user into the GUIelement of a smart phone associated with the user to complete theinteraction with the agent of the call center.

Embodiments of the present invention detail a computer-centrictechnological solution that may automatically retrieve and display aplurality of identity specific notations associated with historicalrelationship data on the call screen of the computing device, where eachidentify specific notation may answer at least one inquiry in theplurality of inquiries. In some embodiments, the computing device isprogrammed to automatically verify at least one session interactionparameter associated with the incoming interaction session to identifythe incoming interaction session as a repeat interaction session anddynamically retrieve at least one relation-specific notation from aplurality of relation-specific notations to display via the GUI elementwithin the computing device.

FIG. 1 depicts a block diagram of an exemplary computer-based system andplatform for automatically updating a computing device to display aplurality of relation-specific notations associated with the historicaldata relationship between at least two computing devices, in accordancewith one or more embodiments of the present disclosure.

In some embodiments, a computing system 100 may include a computingdevice 102 associated with a user and an illustrative program engine104. In some embodiments, the program 104 may be stored on the computingdevice 102 such as, without limitation a calling-enabled computingdevice (e.g., smart phone, iPad™ with calling capability, laptop withcalling capability, etc.). In some embodiments, the illustrative programengine 104 may reside, partially or in full, on a server computingdevice 106 (not shown). In some embodiments, the computing device 102may include a processor 108, a non-transient memory 110, a communicationcircuitry 112 for communicating over a communication network 114 (notshown), and input and/or output (I/O) devices 116 such as a keyboard,mouse, a touchscreen, and/or a display, for example. In someembodiments, a second computing device (not shown) may communicate withthe computing device 102.

In some embodiments, the illustrative program engine 104 may beconfigured to instruct the processor 108 to execute one or more softwaremodules such as a data input module 118, a machine learning model module120, and a data output module 122.

In some embodiments, an exemplary dynamic data input module 118, of thepresent disclosure, utilizes at least machine learning algorithm and atleast one artificial intelligence algorithm described herein, todynamically annotate information associated with at least oneinteraction session, automatically update a pre-generated database of aplurality of relation-specific notations associated with a historicaldata relationship with the annotated information, and display thedynamic annotation information and the update of the pre-generateddatabase by automatically updating a GUI element of the computing device102. Typically, a user would have to retrieve the annotation informationfrom a previous interaction session, where the retrieval of thisinformation increases the duration of the interaction session and mayrequire the user to place the interaction session on hold to verify thatinformation is accurate. In some instances, the user may also berequired to input the retrieved annotated information into a GUI elementof the computing device 102 in order to complete the interactionsession, which may decrease the optimization of the interaction sessionin response to the user having to place the interaction session on holdto retrieve and input the annotated information into the GUI element ofthe computing device 102. In some embodiments, the exemplary dynamicdata input module 118 may obtain a permission form the user to monitor aplurality of activities executed within the computing device 102 for apredetermined period of time. In some embodiments, the plurality ofactivities may refer to, without limitation, an email, an SMS message,an MMS message, a chat message, a social media post, a voice message, anin-app message, or other similarly suitable communication channel. Insome embodiments, the predetermined period of time may refer to anapproved duration of time in minutes, hours, days, or months associatedwith the obtained permission. In some embodiments, the exemplary dynamicdata input module 118 may obtain the permission of the user via at leastone GUI having at least one programmable GUI element. In someembodiments, the exemplary dynamic data input module 118 may continuallymonitor the plurality of activities executed within the computing device102 for the predetermined period of time in response to obtaining thepermission from the user. In some embodiments, the exemplary dynamicdata input module 118 may identify an indication of an incominginteraction session being initiated with the user within thepredetermined period of time. In some embodiments, the incominginteraction session may refer to a phone call, facetime call, or aconference call. In some embodiments, the exemplary dynamic data inputmodule 118 may automatically verify at least one session interactionparameter associated with the incoming interaction session (e.g.,incoming phone call) to identify the incoming interaction session as arepeat interaction session. In some embodiments, the repeat interactionsession may refer to a plurality of interaction session between the sameuser and the session interaction parameter. In some embodiments, thesession interaction parameter may refer to a session initiation protocol(SIP) certificate. In some embodiments, the exemplary dynamic data inputmodule 118 may identify the repeat interaction session parameters whenthe at least one session interaction parameter of the incominginteraction session is associated with at least one of a particularentity, a particular individual, or a particular physical location basedon a database of known session interaction parameters. In someembodiments, the exemplary dynamic data input module 118 may dynamicallyretrieve at least one relation-specific notation form a plurality ofrelation-specific notations. In some embodiments, the database of knownsession interaction parameters may store a plurality of verified SIPcertificates. In some embodiments, the database of known sessioninteraction parameters may store the plurality of relation-specificnotations. In some embodiments, the relation-specific notation may referto a notation (e.g., digital note) that the user generates in responseto a previous interaction session that provides additional informationto a historical data relationship between the computing device 102 and adifferent incoming interaction session associated with the secondcomputing device. In some embodiments, the exemplary dynamic data inputmodule 118 may dynamical retrieve the at least one relation-specificnotation from the plurality of relation-specific notations to displayvia the at least one GUI having the at least one programmable GUIelement within the computing device 102. In some embodiments, theexemplary dynamic data input module 118 may instruct to display an inputGUI element via the at least one GUI that is programmed to receive inputdata associated with the incoming interaction associated with the secondcomputing device. In some embodiments, the exemplary dynamic data inputmodule 118 may automatically update the plurality of relation-specificnotations associated with the historical data relationship between thecomputing device 102 and the server computing device 106. In someembodiments, the exemplary dynamic data input module 118 mayautomatically update the plurality of relation-specific notationsassociated with the historical data relationship based on the input datareceived via the input GUI element of the computing device 102. In someembodiments, the exemplary dynamic data input module 118 may instructthe computing device 102 to display a notification that identifies theupdate of the plurality of relation-specific notations. In someembodiments, the exemplary dynamic data input module 118 may instructthe computing device 102 to display the notification via the at leastone programmable output GUI element of the at least one GUI thatidentifies the update of the plurality of relation-specific notations.In some embodiments, the exemplary dynamic data input module 118 mayinstruct the server computing device 106 to display the notificationthat identifies the update of the plurality of relation-specificnotations. In some embodiments, the exemplary dynamic data input module118 may instruct the computing device 102 to display the notificationthat identifies the update of the plurality of relation-specificnotations in response to an indication of the incoming interactionassociated with the second computing device. In some embodiments, theexemplary dynamic data input module 118 may automatically update a callscreen of the computing device 102 to display at least onerelation-specific notation. In some embodiments, the exemplary dynamicdata input module 118 may utilize a natural language processingalgorithm to automatically transcribe audio data associated with theincoming interaction session associated with the server computing device106 in real time.

Embodiments of the present disclosure herein describe systems forutilizing the machine learning model module 120 for dynamicallyretrieving at least one relation-specific notation from a plurality ofrelation-specific notations to display via the at least one GUI havingthe at least one programmable GUI element when the at least onerelation-specific notation provides additional information to ahistorical data relationship between the computing device 102 and theincoming interaction associated with the second computing device. Insome embodiments, the machine learning model module 120 mayautomatically update the plurality of relation-specific notationsassociated with the historical data relationship between the computingdevice 102 and the second computing device based on the input datareceived via the input GUI element. In some embodiments, the machinelearning model module 120 may instruct the computing device 102 todisplay the notification identifying the update of the plurality ofrelation-specific notations. In some embodiments, the machine learningmodel module 120 may automatically update the call screen of thecomputing device 102 (e.g., smart phone associated with the user) todisplay at least one relation-specific notation. In some embodiments,the machine learning model module 120 may automatically transcribe audiodata associated with the incoming interaction session associated withthe second computing device in real time using the natural languageprocessing algorithm. In some embodiments, the machine learning modelmodule 120 dynamically inputs input data into an input GUI element ofthe computing device to automatically update the plurality ofrelation-specific notations based on the input data received via theinput GUI element. In some embodiments, output of the machine learningmodel module 120 may be the dynamically retrieved relation-specificnotation from the plurality of relation-specific notations. In someembodiments, the output of the machine learning model module 120 may bethe notification that identifies the update of the plurality ofrelation-specific notations in response to the indication of theincoming interaction associated with the second computing device. Insome embodiments, the output of the machine learning model module 120may be the automatically transcribed audio data associated with incominginteraction session based on the utilization of the natural languageprocessing algorithm.

In some embodiments, the data output module 122 may generate thenotification that identifies the update of the plurality ofrelation-specific notations in response to the indication of theincoming interaction associated with the second computing device. Insome embodiments, the data output module 122 may dynamically retrieve atleast one relation-specific notation from the plurality ofrelation-specific notations when the at least one relation-specificnotation provides additional information to the historical datarelationship between the computing device 102 and the server computingdevice 106. In some embodiments, the data output module 122 maycommunicate with the at least one programmable output GUI element withinthe computing device 102 to display the notification that identifies theupdate to the plurality of relation-specific notations. In someembodiments, the data output module 122 may display the input datareceived via the input GUI element of the computing device 102. In someembodiments, the data output module 122 may display the automaticallytranscribed audio data associated with the incoming interaction sessionbased on the utilization of the natural language processing algorithm.In some embodiments, the data output module 122 may display the outputof the exemplary dynamic data input module 118. In some embodiments, thedata output module 122 may display the output of the machine learningmodel module 120.

In some embodiments, the non-transient memory 110 may store theplurality of relation-specific notations associated with the historicaldata relation between the computing device 102 and the second computingdevice. In some embodiments, the non-transient memory 110 may store theautomatically transcribed audio data associated with the incominginteraction session based on the utilization of the natural languageprocessing algorithm. In some embodiments, the non-transient memory 110may store the database of known session interaction parameters. In someembodiments, the non-transient memory 110 may store the output of theexemplary dynamic data input module 118. In some embodiments, thenon-transient memory 110 may store the output of the machine learningmodel module 120. In some embodiments, the non-transient memory 110 maystore the output of the data output module 122.

In some embodiments, the processor 108 may obtain a permission from theuser to monitor a plurality of activities executed within the computingdevice 102. In some embodiments, the processor 108 may continuallymonitor the plurality of activities executed within the computing device102 for a predetermined period of time. In some embodiments, theprocessor 108 may identify an indication of an incoming interactionsession being initiated with the user within the predetermined period oftime. In some embodiments, the processor 108 may automatically verify atleast one session interaction parameter associated with the incominginteraction session to identify the incoming interaction session as therepeat interaction session when the at least one session interactionparameter of the incoming interaction session is associated with atleast one of a particular entity, a particular individual, or aparticular physical location based on the database of known sessioninteraction parameters. In some embodiments, the processor 108 maydynamically retrieve the at least one relation-specific notation fromthe plurality of relation-specific notations to display via the at leastone GUI having the one programmable GUI element when the at least onerelation-specific notation provides additional information to thehistorical data relationship between the computing device 102 and thesecond computing device. In some embodiments, the processor 108 mayinstruct the input GUI element to display the received input dataassociated with the incoming interaction session associated with thesecond computing device. In some embodiments, the processor 108 mayautomatically update the plurality of relation-specific notationsassociated with the historical data relationship between the computingdevice 102 and the second computing device based on the received inputdata. In some embodiments, the processor 108 may instruct theprogrammable output GUI element to display the notification thatidentifies the update of the plurality of relation-specific notations inresponse to the indication of the incoming interaction associated withthe second computing device.

FIG. 2 is a flowchart 200 illustrating operational steps forautomatically updating a call screen within the computing device usingthe plurality of relation-specific notations associated with thehistorical data relationship between at least two computing devices, inaccordance with one or more embodiments of the present disclosure.

In step 202, the illustrative program engine 104 within the computingdevice 102 may be programmed to obtain permission from the user via atleast one graphical user interface (GUI) element. In some embodiments,the permission may allow the illustrative program engine 104 to monitora plurality of activities executed within the computing device 102.

In step 204, the illustrative program engine 104 may continually monitorthe plurality of activities executed within the computing device 102 fora predetermined period of time. In some embodiments, the monitoring ofthe plurality of activities may occur in response to the illustrativeprogram 104 engine obtaining permission form the user.

In step 206, the illustrative program engine 104 may identify anindication of an incoming interaction session. In some embodiments, theindication of the incoming interaction session may be initiated with theuser within the predetermined period of time. In some embodiments, theindication of the incoming interaction session being initiated with theuser may refer to an indication of an incoming phone call, received froma telephonic module of the computing device 102.

In step 208, the illustrative program engine 104 may automaticallyverify at least one session interaction parameter associated with theincoming interaction session. In some embodiments, the automaticverification of the at least one session interaction parameter mayidentify the incoming interaction session as a repeat interactionsession. In some embodiments, the illustrative program engine 104 mayidentify the incoming interaction session as the repeat interactionsession when the at least one session interaction parameter of theincoming interaction session is associated with at least one of aparticular entity, a particular individual, or a particular physicallocation based on a database of known session interaction parameters. Insome embodiments, the at least one session interaction parameter mayrefer to a session initiation protocol certificate associated with thesuspect interaction session.

In step 210, the illustrative program engine 104 may dynamicallyretrieve at least one relation-specific notation from a plurality ofrelation-specific notations to display via the at least one GUI havingthe at least one programmable GUI element within the computing device102. In some embodiments, the illustrative program engine 104 maydynamically retrieve the at least one relation-specific notation fromthe plurality of relation-specific notations when the at least onerelation-specific notation provides additional information to ahistorical data relationship associated with the repeat interactionsession between the computing device 102 and the second computingdevice. In some embodiments, the exemplary data output module 118 maydynamically retrieve the at least one relation-specific notation fromthe plurality of relation-specific notations. In some embodiments, themachine learning model module 120 may dynamically retrieve the at leastone relation-specific notation from the plurality of relation-specificnotations. In some embodiments, the data output module 122 may displaythe dynamically retrieved relation-specific notation from the pluralityof relation-specific notations.

In step 212, the illustrative program engine 104 may instruct an inputGUI element to display automatically transcribed audio data associatedwith the repeat interaction session on the computing device 102 in realtime based on a utilization of a natural language algorithm. In someembodiments, the illustrative program engine 104 may instruct the inputGUI element to display received input data associated with the repeatinteraction session.

In step 214, the illustrative program engine 104 may automaticallyupdate the plurality of relation-specific notations associated withhistorical data relationship between the computing device 102 and thesecond computing device based on the automatically transcribed audiodata file received via the input GUI element. In some embodiments, theillustrative program engine 104 may automatically update the pluralityof relation-specific notations associated with historical datarelationship between the computing device 102 and the second computingdevice based on the input data received via the input GUI element. Insome embodiments, the data input module 118 may automatically transcribeaudio data associated with the repeat interaction session between thecomputing device 102 and the second computing device to generate anotification associated with the automatic update of the plurality ofrelation-specific notations. In some embodiments, the machine learningmodel module 120 may automatically transcribe audio data associated withthe repeat interaction session between the computing device 102 and thesecond computing device to generate a notification update. In someembodiments, the data output module 122 may display the automaticallytranscribed audio data or received input data via the input GUI elementwithin the computing device 102.

In step 216, the illustrative program engine 104 may instruct at leastone programmable output GUI element within the computing device 102 todisplay a notification that identifies the update of the plurality ofrelation specific notations in response to an indication of the incominginteraction associated with the second computing device. In someembodiments, the illustrative program engine 104 may automaticallyupdate a call screen of the computing device 102 to display thenotification associated with the at least one relation-specific notationof the plurality of relation-specific notations.

FIGS. 3A-3C are diagrams illustrating exemplary graphical userinterfaces (GUIs) involving aspects associated with an exemplary datainput module 118 consistent with exemplary aspects of certainembodiments of the present disclosure. In some embodiments, the GUIs maybe provided by an application and shown on a display of a mobile device(e.g., the computing device 102 of FIG. 1 ). In some embodiments, priorto the GUIs being displayed in response to an incoming call at themobile device, a session interaction parameter (e.g., SIP certificate)has been received at the mobile device to activate, for example, theapplication into applying security measures for the incoming callsuspicious of being associated with a vishing attack or a repeatinteraction session associated with another computing device thatmaintains a historical data relationship, and the like. In someembodiments, when the session interaction parameter becomes invalidafter its pre-configured lifetime expires, the application may bedeactivated at least to the extent that the triggered security measureswould be no longer active due to the fact that there would be no validsession interaction parameters for any fraudulent entities to attack.The embodiment illustrated in FIGS. 3A-3C may correspond to anotherprotection flow path, where the user would receive an incoming phonecall from one of the phone numbers determined by, for example, thesession interaction parameter protection machine learning model module120, as session interaction parameter sensitive, and would not haveanswered it yet.

FIG. 3A illustrates an exemplary GUI 301 of the application fornotifying the user of an incoming call that is associated with a repeatinteraction session and automatically updating the call screen with aplurality of relation-specific notations associated with the historicaldata relationship. The GUI 301 may include an alert 302, and a set ofbuttons 303 for the user to select, as well as options 315, and endsession button 318 that displays at least one relation-specificnotation. Here, the alert 302 may notify the user that the voice messagehas been identified as from a session interaction parameter sensitivecall (e.g., the call identified as coming from an entity determined aspresenting a security risk with regard to the valid session interactionparameter received). The alert 302 may include the phone number of thecalling entity, i.e., “1-347-000-0000,” and “New York” as the areaassociated with the phone number's area code.

As illustrated at GUI 301, the application would be actively blockingthe incoming call in protection against the detected/potential vishingattack against the valid session interaction parameter. In someembodiment, the user no longer can interact with the selectable options315 or 318 to perform certain actions when the blocked call is a pendingincoming call. As shown here, the user no longer can select the option315 to reply with a message, or select the option 318 to swipe up toanswer the blocked call. In some embodiments, the user can select thebutton 303 to screen the blocked call. In some embodiments, the user canselect the button 303 to screen the voice message from the blocked call.In other embodiments, the button 303 may be disabled as well so that theuser cannot screen the blocked call either. The incoming call can bescreened by various techniques to evaluate the characteristics of thecalling entity. Exemplary screening techniques may include the userscreening a message being recorded on an answering machine or voicemail, the user checking a caller ID display to see who or where the callis from, and the user checking the time or date which a call or messagewas received. Exemplary screening techniques may also include connectingthe calling party to a chatbot service such that the chatbot service mayscreen the calling party and/or record the conversion. Inimplementations, screening may be performed by protocols such as SecureTelephony Identity Revisited (STIR), Signature-based Handling ofAsserted information using tokens (SHAKEN) to identify calls associatedwith spoofed phone numbers, and the like.

Further, the user may perform other actions upon the incoming call inaddition to or in place of those illustrated in FIG. 3A. For example,the user can interact with the GUI 301 to decline the incoming callwhile it is still being blocked, report the phone number included in thealert 302 to a server (e.g., the server computing device 106 of FIG. 1 )or log locally as associated with a fraudulent entity without screeningthe call or after screening the call, report the phone number or loglocally as associated with a fraudulent entity after selecting thebutton 308 to answer the call, report the phone number or log locally asnot associated with a fraudulent entity after selecting the button 308to answer the call, and the like. In one embodiment, the applicationthat blocks the incoming call during the lifetime of the valid sessioninteraction parameter may display no GUI or notification to the userwhen an incoming call is being blocked from being answered by the user.That is, the application may be configured to block identified incomingcalls as a background executing process without a visible GUI. In someembodiments, when the user interacts with the button 308 to answer theincoming call alerted as session interaction parameter sensitive.

FIG. 3B illustrates an exemplary GUI 351 of the application fornotifying the user of an incoming call currently being silenced. The GUI351 may include an alert 352 and a set of buttons 303, 305, and 308 forthe user to select. Here, the alert 352 may be similar to the alert 302of FIG. 3A, notifying the user that the incoming call has beenidentified as an session interaction parameter sensitive call. The alert302 may include the phone number of the calling entity, i.e.,“1-347-000-0000,” and “New York” as the area associated with the phonenumber's area code. The difference here is that, at GUI 351, instead ofblocking, the application is actively silencing the incoming call. Insome embodiments, the application may silence the incoming callregardless of the setting already configured with regard to the phonefunctionality on the device (e.g., the user may not have set the mobiledevice in silence mode, and the application can overwrite the settingspecifically for the identified incoming calls).

Here, at GUI 351, when the application of the application is activelysilencing the incoming call in protection against the detected/potentialvishing attack against the valid session interaction parameter, the usernevertheless can also interact with the selectable options to performactions with regard to the pending incoming call. In this example, theuser can also select the button 303 to screen the silenced call, selectthe button 305 to reply with a message, or select the button 308 toswipe up to answer the incoming call. The incoming call can be screenedby various techniques to evaluate the characteristics of the callingentity as described above.

Further, the user may also perform other actions upon the incoming callin addition to or in place of those illustrated in FIG. 3B. For example,the user can interact with the GUI 351 to decline the incoming callwhile it is being silenced, report the phone number included in thealert 352 to the server (e.g., the server computing device 106 of FIG. 1) or log it locally as associated with a fraudulent entity withoutscreening the call or after screening the call, report or log locallythe phone number as associated with a fraudulent entity after selectingthe button 308 to answer the call, report or log locally the phonenumber as not associated with a fraudulent entity after selecting thebutton 308 to answer the call, and the like. In some embodiments, whenthe user interacts with the button 308 to answer the incoming callalerted as session interaction parameter sensitive.

FIG. 3C illustrates an exemplary GUI 381 for notifying the user of anincoming call via a negative user interface. The GUI 381 may include analert 382 and a set of buttons 303, 385, and 388 for the user to select.Here, the alert 382 may be similar to the alert 302 of FIG. 3A and thealert 352 of FIG. 3B, notifying the user that the incoming call has beenidentified as an OTP sensitive call. The alert 382 may include the phonenumber of the calling entity, i.e., “1-347-000-0000,” and “New York” asthe area associated with the phone number's area code. The differencehere is that, at GUI 381, instead of blocking or silencing, theapplication is actively providing negative UIs in association with theincoming call. Similarly, the button 388 may be rendered un-selectable,as indicated by the exemplary dashed label “Swipe Up to Answer.”

Here, at GUI 381 of the application, unlike the GUIs 301 and 351, whenthe application is actively providing the negative UIs for the incomingcall in protection against the detected/potential vishing attack againstthe valid session interaction parameter, the user can only interact withthe regularly rendered UI elements (e.g., the button 303 is stillavailable for the user to screen the incoming call), but no longer ableto select the UI elements rendered negative, e.g., select the button 305to reply with a message, or select the button 308 to swipe up to answerthe incoming call.

Further, the user may also perform other actions upon the incoming callin addition to or in place of those illustrated in FIG. 3C, if thecorresponding UI elements are provided at the GUI 381. For example, theuser can interact with the GUI 381 to decline the incoming call, reportthe phone number included in the alert 382 to the server (e.g., theserver computing device 106 of FIG. 1 ) or log locally as associatedwith a fraudulent entity without screening the call or after screeningthe call, and the like. In this example, without an operable button 388,the user may be prevented from answering the incoming call as he or shemay still be able to at the GUIs 301 or 351.

The material disclosed herein may be implemented in software or firmwareor a combination of them or as instructions stored on a machine-readablemedium, which may be read and executed by one or more processors. Amachine-readable medium may include any medium and/or mechanism forstoring or transmitting information in a form readable by a machine(e.g., a computing device). For example, a machine-readable medium mayinclude read only memory (ROM); random access memory (RAM); magneticdisk storage media; optical storage media; knowledge corpus; storedaudio recordings; flash memory devices; electrical, optical, acousticalor other forms of propagated signals (e.g., carrier waves, infraredsignals, digital signals, etc.), and others.

As used herein, the terms “computer engine” and “engine” identify atleast one software component and/or a combination of at least onesoftware component and at least one hardware component which aredesigned/programmed/configured to manage/control other software and/orhardware components (such as the libraries, software development kits(SDKs), objects, etc.).

Examples of hardware elements may include processors, microprocessors,circuits, circuit elements (e.g., transistors, resistors, capacitors,inductors, and so forth), integrated circuits, application specificintegrated circuits (ASIC), programmable logic devices (PLD), digitalsignal processors (DSP), field programmable gate array (FPGA), logicgates, registers, semiconductor device, chips, microchips, chip sets,and so forth. In some embodiments, the one or more processors may beimplemented as a Complex Instruction Set Computer (CISC) or ReducedInstruction Set Computer (RISC) processors; x86 instruction setcompatible processors, multi-core, or any other microprocessor orcentral processing unit (CPU). In various implementations, the one ormore processors may be dual-core processor(s), dual-core mobileprocessor(s), and so forth.

Computer-related systems, computer systems, and systems, as used herein,include any combination of hardware and software. Examples of softwaremay include software components, operating system software, middleware,firmware, software modules, routines, subroutines, functions, methods,procedures, software interfaces, application program interfaces (API),instruction sets, computer code, computer code segments, words, values,symbols, or any combination thereof. Determining whether an embodimentis implemented using hardware elements and/or software elements may varyin accordance with any number of factors, such as desired computationalrate, power levels, heat tolerances, processing cycle budget, input datarates, output data rates, memory resources, data bus speeds and otherdesign or performance constraints.

One or more aspects of at least one embodiment may be implemented byrepresentative instructions stored on a machine-readable medium whichrepresents various logic within the processor, which when read by amachine causes the machine to fabricate logic to perform the techniquesdescribed herein. Such representations, known as “IP cores” may bestored on a tangible, machine readable medium and supplied to variouscustomers or manufacturing facilities to load into the fabricationmachines that make the logic or processor. Of note, various embodimentsdescribed herein may, of course, be implemented using any appropriatehardware and/or computing software languages (e.g., C++, Objective-C,Swift, Java, JavaScript, Python, Perl, QT, etc.).

In some embodiments, one or more of exemplary inventive computer-basedsystems/platforms, exemplary inventive computer-based devices, and/orexemplary inventive computer-based components of the present disclosuremay include or be incorporated, partially or entirely into at least onepersonal computer (PC), laptop computer, ultra-laptop computer, tablet,touch pad, portable computer, handheld computer, palmtop computer,personal digital assistant (PDA), cellular telephone, combinationcellular telephone/PDA, television, smart device (e.g., smart phone,smart tablet or smart television), mobile internet device (MID),messaging device, data communication device, and so forth.

As used herein, the term “server” should be understood to refer to aservice point which provides processing, database, and communicationfacilities. By way of example, and not limitation, the term “server” canrefer to a single, physical processor with associated communications anddata storage and database facilities, or it can refer to a networked orclustered complex of processors and associated network and storagedevices, as well as operating software and one or more database systemsand application software that support the services provided by theserver. In some embodiments, the server may store transactions anddynamically trained machine learning models. Cloud servers are examples.

In some embodiments, as detailed herein, one or more of exemplaryinventive computer-based systems/platforms, exemplary inventivecomputer-based devices, and/or exemplary inventive computer-basedcomponents of the present disclosure may obtain, manipulate, transfer,store, transform, generate, and/or output any digital object and/or dataunit (e.g., from inside and/or outside of a particular application) thatcan be in any suitable form such as, without limitation, a file, acontact, a task, an email, a social media post, a map, an entireapplication (e.g., a calculator), etc. In some embodiments, as detailedherein, one or more of exemplary inventive computer-basedsystems/platforms, exemplary inventive computer-based devices, and/orexemplary inventive computer-based components of the present disclosuremay be implemented across one or more of various computer platforms suchas, but not limited to: (1) FreeBSD™, NetBSD™, OpenBSD™; (2) Linux™; (3)Microsoft Windows™; (4) OS X (MacOS)™; (5) MacOS 11™; (6) Solaris™; (7)Android™; (8) iOS™; (9) Embedded Linux™; (10) Tizen™; (11) WebOS™; (12)IBM i™; (13) IBM AIX™; (14) Binary Runtime Environment for Wireless(BREW)™; (15) Cocoa (API)™; (16) Cocoa Touch™; (17) Java Platforms™;(18) JavaFX™; (19) JavaFX Mobile™; (20) Microsoft DirectX™; (21) .NETFramework™; (22) Silverlight ™; (23) Open Web Platform™; (24) OracleDatabase™; (25) Qt™; (26) Eclipse Rich Client Platform™; (27) SAPNetWeaver™; (28) Smartface™; and/or (29) Windows Runtime™.

In some embodiments, exemplary inventive computer-basedsystems/platforms, exemplary inventive computer-based devices, and/orexemplary inventive computer-based components of the present disclosuremay be configured to utilize hardwired circuitry that may be used inplace of or in combination with software instructions to implementfeatures consistent with principles of the disclosure. Thus,implementations consistent with principles of the disclosure are notlimited to any specific combination of hardware circuitry and software.For example, various embodiments may be embodied in many different waysas a software component such as, without limitation, a stand-alonesoftware package, a combination of software packages, or it may be asoftware package incorporated as a “tool” in a larger software product.

For example, exemplary software specifically programmed in accordancewith one or more principles of the present disclosure may bedownloadable from a network, for example, a website, as a stand-aloneproduct or as an add-in package for installation in an existing softwareapplication. For example, exemplary software specifically programmed inaccordance with one or more principles of the present disclosure mayalso be available as a client-server software application, or as aweb-enabled software application. For example, exemplary softwarespecifically programmed in accordance with one or more principles of thepresent disclosure may also be embodied as a software package installedon a hardware device. In at least one embodiment, the exemplary dynamicdata input module 118 of the present disclosure, utilizing at least onemachine-learning model described herein, may be referred to as exemplarysoftware.

In some embodiments, exemplary inventive computer-basedsystems/platforms, exemplary inventive computer-based devices, and/orexemplary inventive computer-based components of the present disclosuremay be configured to handle numerous concurrent transactions/users thatmay be, but is not limited to, at least 100 (e.g., but not limited to,100-999), at least 1,000 (e.g., but not limited to, 1,000-9,999), atleast 10,000 (e.g., but not limited to, 10,000-99,999), at least 100,000(e.g., but not limited to, 100,000-999,999), at least 1,000,000 (e.g.,but not limited to, 1,000,000-9,999,999), at least 10,000,000 (e.g., butnot limited to, 10,000,000-99,999,999), at least 100,000,000 (e.g., butnot limited to, 100,000,000-999,999,999), at least 1,000,000,000 (e.g.,but not limited to, 1,000,000,000-999,999,999,999), and so on.

In some embodiments, exemplary inventive computer-basedsystems/platforms, exemplary inventive computer-based devices, and/orexemplary inventive computer-based components of the present disclosuremay be configured to output to distinct, specifically programmedgraphical user interface implementations of the present disclosure(e.g., a desktop, a web app., etc.). In various implementations of thepresent disclosure, a final output may be displayed on a displayingscreen which may be, without limitation, a screen of a computer, ascreen of a mobile device, or the like. In various implementations, thedisplay may be a holographic display. In various implementations, thedisplay may be a transparent surface that may receive a visualprojection. Such projections may convey various forms of information,images, and/or objects. For example, such projections may be a visualoverlay for a mobile augmented reality (MAR) application.

In some embodiments, exemplary inventive computer-basedsystems/platforms, exemplary inventive computer-based devices, and/orexemplary inventive computer-based components of the present disclosuremay be configured to be utilized in various applications which mayinclude, but not limited to, the exemplary ASR system of the presentdisclosure, utilizing at least one machine-learning model describedherein, gaming, mobile-device games, video chats, video conferences,live video streaming, video streaming and/or augmented realityapplications, mobile-device messenger applications, and others similarlysuitable computer-device applications.

As used herein, the term “mobile electronic device,” or the like, mayrefer to any portable electronic device that may or may not be enabledwith location tracking functionality (e.g., MAC address, InternetProtocol (IP) address, or the like). For example, a mobile electronicdevice can include, but is not limited to, a mobile phone, PersonalDigital Assistant (PDA), Blackberry™, Pager, Smartphone, or any otherreasonable mobile electronic device.

In some embodiments, the exemplary inventive computer-basedsystems/platforms, the exemplary inventive computer-based devices,and/or the exemplary inventive computer-based components of the presentdisclosure may be configured to securely store and/or transmit data(e.g., tokenized PAN numbers, etc.) by utilizing one or more ofencryption techniques (e.g., private/public key pair, Triple DataEncryption Standard (3DES), block cipher algorithms (e.g., IDEA, RC2,RC5, CAST and Skipjack), cryptographic hash algorithms (e.g., MD5,RIPEMD-160, RTR0, SHA-1, SHA-2, Tiger (TTH),WHIRLPOOL, RNGs).

The aforementioned examples are, of course, illustrative and notrestrictive.

As used herein, the term “user” shall have a meaning of at least oneuser. In some embodiments, the terms “user”, “subscriber” “consumer” or“customer” should be understood to refer to a user of an application orapplications as described herein and/or a consumer of data supplied by adata provider. By way of example, and not limitation, the terms “user”or “subscriber” can refer to a person who receives data provided by thedata or service provider over the Internet in a browser session, or canrefer to an automated software application which receives the data andstores or processes the data.

FIG. 4 depicts a block diagram of an exemplary computer-basedsystem/platform 400 in accordance with one or more embodiments of thepresent disclosure. However, not all of these components may be requiredto practice one or more embodiments, and variations in the arrangementand type of the components may be made without departing from the spiritor scope of various embodiments of the present disclosure. In someembodiments, the exemplary inventive computing devices and/or theexemplary inventive computing components of the exemplary computer-basedsystem/platform 400 may be configured to manage a large number ofmembers and/or concurrent transactions, as detailed herein. In someembodiments, the exemplary computer-based system/platform 400 may bebased on a scalable computer and/or network architecture thatincorporates varies strategies for assessing the data, caching,searching, and/or database connection pooling. An example of thescalable architecture is an architecture that is capable of operatingmultiple servers. In some embodiments, the exemplary inventive computingdevices and/or the exemplary inventive computing components of theexemplary computer-based system/platform 400 may be configured to managethe exemplary dynamic data input module 118 of the present disclosure,utilizing at least one machine-learning model described herein.

In some embodiments, referring to FIG. 4 , members 402-404 (e.g.,clients) of the exemplary computer-based system/platform 400 may includevirtually any computing device capable of receiving and sending amessage over a network (e.g., cloud network), such as network 405, toand from another computing device, such as servers 406 and 407, eachother, and the like. In some embodiments, the member devices 402-404 maybe personal computers, multiprocessor systems, microprocessor-based orprogrammable consumer electronics, network PCs, and the like. In someembodiments, one or more member devices within member devices 402-404may include computing devices that connect using a wirelesscommunications medium such as cell phones, smart phones, pagers, walkietalkies, radio frequency (RF) devices, infrared (IR) devices, CBs,integrated devices combining one or more of the preceding devices, orvirtually any mobile computing device, and the like. In someembodiments, one or more member devices within member devices 402-404may be devices that are capable of connecting using a wired or wirelesscommunication medium such as a PDA, POCKET PC, wearable computer, alaptop, tablet, desktop computer, a netbook, a video game device, apager, a smart phone, an ultra-mobile personal computer (UMPC), and/orany other device that is equipped to communicate over a wired and/orwireless communication medium (e.g., NFC, RFID, NBIOT, 3G, 4G, 5G, GSM,GPRS, WiFi, WiMax, CDMA, satellite, ZigBee, etc.). In some embodiments,one or more member devices within member devices 302-304 may include mayrun one or more applications, such as Internet browsers, mobileapplications, voice calls, video games, videoconferencing, and email,among others. In some embodiments, one or more member devices withinmember devices 302-304 may be configured to receive and to send webpages, and the like. In some embodiments, an exemplary specificallyprogrammed browser application of the present disclosure may beconfigured to receive and display graphics, text, multimedia, and thelike, employing virtually any web based language, including, but notlimited to Standard Generalized Markup Language (SMGL), such asHyperText Markup Language (HTML), a wireless application protocol (WAP),a Handheld Device Markup Language (HDML), such as Wireless MarkupLanguage (WML), WMLScript, XML, JavaScript, and the like. In someembodiments, a member device within member devices 302-304 may bespecifically programmed by either Java, .Net, QT, C, C++ and/or othersuitable programming language. In some embodiments, one or more memberdevices within member devices 302-304 may be specifically programmedinclude or execute an application to perform a variety of possibletasks, such as, without limitation, messaging functionality, browsing,searching, playing, streaming or displaying various forms of content,including locally stored or uploaded messages, images and/or video,and/or games.

In some embodiments, the exemplary network 405 may provide networkaccess, data transport and/or other services to any computing devicecoupled to it. In some embodiments, the exemplary network 405 mayinclude and implement at least one specialized network architecture thatmay be based at least in part on one or more standards set by, forexample, without limitation, Global System for Mobile communication(GSM) Association, the Internet Engineering Task Force (IETF), and theWorldwide Interoperability for Microwave Access (WiMAX) forum. In someembodiments, the exemplary network 405 may implement one or more of aGSM architecture, a General Packet Radio Service (GPRS) architecture, aUniversal Mobile Telecommunications System (UMTS) architecture, and anevolution of UMTS referred to as Long Term Evolution (LTE). In someembodiments, the exemplary network 405 may include and implement, as analternative or in conjunction with one or more of the above, a WiMAXarchitecture defined by the WiMAX forum. In some embodiments and,optionally, in combination of any embodiment described above or below,the exemplary network 405 may also include, for instance, at least oneof a local area network (LAN), a wide area network (WAN), the Internet,a virtual LAN (VLAN), an enterprise LAN, a layer 3 virtual privatenetwork (VPN), an enterprise IP network, or any combination thereof. Insome embodiments and, optionally, in combination of any embodimentdescribed above or below, at least one computer network communicationover the exemplary network 405 may be transmitted based at least in parton one of more communication modes such as but not limited to: NFC,RFID, Narrow Band Internet of Things (NBIOT), ZigBee, 3G, 4G, 5G, GSM,GPRS, WiFi, WiMax, CDMA, satellite and any combination thereof. In someembodiments, the exemplary network 405 may also include mass storage,such as network attached storage (NAS), a storage area network (SAN), acontent delivery network (CDN) or other forms of computer or machinereadable media.

In some embodiments, the exemplary server 406 or the exemplary server407 may be a web server (or a series of servers) running a networkoperating system, examples of which may include but are not limited toMicrosoft Windows Server, Novell NetWare, or Linux. In some embodiments,the exemplary server 406 or the exemplary server 407 may be used forand/or provide cloud and/or network computing. Although not shown inFIG. 4 , in some embodiments, the exemplary server 406 or the exemplaryserver 407 may have connections to external systems like email, SMSmessaging, text messaging, ad content providers, etc. Any of thefeatures of the exemplary server 406 may be also implemented in theexemplary server 407 and vice versa.

In some embodiments, one or more of the exemplary servers 406 and 407may be specifically programmed to perform, in non-limiting example, asauthentication servers, search servers, email servers, social networkingservices servers, SMS servers, IM servers, MMS servers, exchangeservers, photo-sharing services servers, advertisement providingservers, financial/banking-related services servers, travel servicesservers, or any similarly suitable service-base servers for users of themember computing devices 401-404.

In some embodiments and, optionally, in combination of any embodimentdescribed above or below, for example, one or more exemplary computingmember devices 402-404, the exemplary server 406, and/or the exemplaryserver 407 may include a specifically programmed software module thatmay be configured to send, process, and receive information (e.g.,transactions, VCNs, etc.) using a scripting language, a remote procedurecall, an email, a tweet, Short Message Service (SMS), Multimedia MessageService (MMS), instant messaging (IM), internet relay chat (IRC), mIRC,Jabber, an application programming interface, Simple Object AccessProtocol (SOAP) methods, Common Object Request Broker Architecture(CORBA), HTTP (Hypertext Transfer Protocol), REST (RepresentationalState Transfer), or any combination thereof

FIG. 5 depicts a block diagram of another exemplary computer-basedsystem/platform 500 in accordance with one or more embodiments of thepresent disclosure. However, not all of these components may be requiredto practice one or more embodiments, and variations in the arrangementand type of the components may be made without departing from the spiritor scope of various embodiments of the present disclosure. In someembodiments, the member computing devices 502 a, 502 b thru 502 n showneach at least includes a computer-readable medium, such as arandom-access memory (RAM) 508 coupled to a processor 510 or FLASHmemory. In some embodiments, the processor 510 may executecomputer-executable program instructions stored in memory 508. In someembodiments, the processor 510 may include a microprocessor, an ASIC,and/or a state machine. In some embodiments, the processor 510 mayinclude, or may be in communication with, media, for examplecomputer-readable media, which stores instructions that, when executedby the processor 510, may cause the processor 510 to perform one or moresteps described herein. In some embodiments, examples ofcomputer-readable media may include, but are not limited to, anelectronic, optical, magnetic, or other storage or transmission devicecapable of providing a processor, such as the processor 510 of client502 a, with computer-readable instructions. In some embodiments, otherexamples of suitable media may include, but are not limited to, a floppydisk, CD-ROM, DVD, magnetic disk, memory chip, ROM, RAM, an ASIC, aconfigured processor, all optical media, all magnetic tape or othermagnetic media, or any other medium from which a computer processor canread instructions. Also, various other forms of computer-readable mediamay transmit or carry instructions to a computer, including a router,private or public network, or other transmission device or channel, bothwired and wireless. In some embodiments, the instructions may comprisecode from any computer-programming language, including, for example, C,C++, Visual Basic, Java, Python, Perl, JavaScript, and etc.

In some embodiments, member computing devices 502 a through 502 n mayalso comprise a number of external or internal devices such as a mouse,a CD-ROM, DVD, a physical or virtual keyboard, a display, a speaker, orother input or output devices. In some embodiments, examples of membercomputing devices 502 a through 502 n (e.g., clients) may be any type ofprocessor-based platforms that are connected to a network 506 such as,without limitation, personal computers, digital assistants, personaldigital assistants, smart phones, pagers, digital tablets, laptopcomputers, Internet appliances, and other processor-based devices. Insome embodiments, member computing devices 502 a through 502 n may bespecifically programmed with one or more application programs inaccordance with one or more principles/methodologies detailed herein. Insome embodiments, member computing devices 502 a through 502 n mayoperate on any operating system capable of supporting a browser orbrowser-enabled application, such as Microsoft™, Windows™, and/or Linux.In some embodiments, member computing devices 502 a through 502 n shownmay include, for example, personal computers executing a browserapplication program such as Microsoft Corporation's Internet Explorer™,Apple Computer, Inc.'s Safari™, Mozilla Firefox, and/or Opera. In someembodiments, through the member computing client devices 502 a through502 n, users, 512 a through 512 n, may communicate over the exemplarynetwork 506 with each other and/or with other systems and/or devicescoupled to the network 506. As shown in FIG. 5 , exemplary serverdevices 504 and 513 may be also coupled to the network 506. Exemplaryserver device 504 may include a processor 505 coupled to a memory thatstores a network engine 517. Exemplary server device 513 may include aprocessor 514 coupled to a memory 516 that stores a network engine. Insome embodiments, one or more member computing devices 502 a through 502n may be mobile clients. As shown in FIG. 5 , the network 506 may becoupled to a cloud computing/architecture(s) 525. The cloudcomputing/architecture(s) 525 may include a cloud service coupled to acloud infrastructure and a cloud platform, where the cloud platform maybe coupled to a cloud storage.

In some embodiments, at least one database of exemplary databases 507and 515 may be any type of database, including a database managed by adatabase management system (DBMS). In some embodiments, an exemplaryDBMS-managed database may be specifically programmed as an engine thatcontrols organization, storage, management, and/or retrieval of data inthe respective database. In some embodiments, the exemplary DBMS-manageddatabase may be specifically programmed to provide the ability to query,backup and replicate, enforce rules, provide security, compute, performchange and access logging, and/or automate optimization. In someembodiments, the exemplary DBMS-managed database may be chosen fromOracle database, IBM DB2, Adaptive Server Enterprise, FileMaker,Microsoft Access, Microsoft SQL Server, MySQL, PostgreSQL, and a NoSQLimplementation. In some embodiments, the exemplary DBMS-managed databasemay be specifically programmed to define each respective schema of eachdatabase in the exemplary DBMS, according to a particular database modelof the present disclosure which may include a hierarchical model,network model, relational model, object model, or some other suitableorganization that may result in one or more applicable data structuresthat may include fields, records, files, and/or objects. In someembodiments, the exemplary DBMS-managed database may be specificallyprogrammed to include metadata about the data that is stored.

FIG. 6 and FIG. 7 illustrate schematics of exemplary implementations ofthe cloud computing/architecture(s) in which the exemplary inventivecomputer-based systems/platforms, the exemplary inventive computer-baseddevices, and/or the exemplary inventive computer-based components of thepresent disclosure may be specifically configured to operate. FIG. 6illustrates an expanded view of the cloud computing/architecture(s) 525found in FIG. 5 . FIG. 7 . illustrates the exemplary inventivecomputer-based components of the present disclosure may be specificallyconfigured to operate in the cloud computing/architecture 525 as asource database 704, where the source database 704 may be a web browser.a mobile application, a thin client, and a terminal emulator. In FIG. 7, the exemplary inventive computer-based systems/platforms, theexemplary inventive computer-based devices, and/or the exemplaryinventive computer-based components of the present disclosure may bespecifically configured to operate in an cloud computing/architecturesuch as, but not limiting to: infrastructure a service (IaaS) 710,platform as a service (PaaS) 708, and/or software as a service (SaaS)706.

In some embodiments, the exemplary inventive computer-basedsystems/platforms, the exemplary inventive computer-based devices,and/or the exemplary inventive computer-based components of the presentdisclosure may be configured to utilize one or more exemplary AI/machinelearning techniques chosen from, but not limited to, decision trees,boosting, support-vector machines, neural networks, nearest neighboralgorithms, Naive Bayes, bagging, random forests, and the like. In someembodiments and, optionally, in combination of any embodiment describedabove or below, an exemplary neutral network technique may be one of,without limitation, an artificial recurrent neural network model, a longshort-term memory (“LSTM”) model, and a distributed long short-termmemory (“DLSTM”) model, feedforward neural network, radial basisfunction network, recurrent neural network, convolutional network (e.g.,U-net) or other suitable network. In some embodiments and, optionally,in combination of any embodiment described above or below, an exemplaryimplementation of Neural Network may be executed as follows:

-   -   i) Define Neural Network architecture/model,    -   ii) Transfer the input data to the exemplary neural network        model,    -   iii) Train the exemplary model incrementally,    -   iv) determine the accuracy for a specific number of timesteps,    -   v) apply the exemplary trained model to process the        newly-received input data,    -   vi) optionally and in parallel, continue to train the exemplary        trained model with a predetermined periodicity.

In some embodiments and, optionally, in combination of any embodimentdescribed above or below, the exemplary trained neural network model mayspecify a neural network by at least a neural network topology, a seriesof activation functions, and connection weights. For example, thetopology of a neural network may include a configuration of nodes of theneural network and connections between such nodes. In some embodimentsand, optionally, in combination of any embodiment described above orbelow, the exemplary trained neural network model may also be specifiedto include other parameters, including but not limited to, biasvalues/functions and/or aggregation functions. For example, anactivation function of a node may be a step function, sine function,continuous or piecewise linear function, sigmoid function, hyperbolictangent function, or other type of mathematical function that representsa threshold at which the node is activated. In some embodiments and,optionally, in combination of any embodiment described above or below,the exemplary aggregation function may be a mathematical function thatcombines (e.g., sum, product, etc.) input signals to the node. In someembodiments and, optionally, in combination of any embodiment describedabove or below, an output of the exemplary aggregation function may beused as input to the exemplary activation function. In some embodimentsand, optionally, in combination of any embodiment described above orbelow, the bias may be a constant value or function that may be used bythe aggregation function and/or the activation function to make the nodemore or less likely to be activated.

At least some aspects of the present disclosure will now be describedwith reference to the following numbered clauses.

-   1. A method may include:

obtaining, by at least one processor of a first computing deviceassociated with a user, via at least one graphical user interface (GUI)having at least one programmable GUI element, a permission from the userto monitor a plurality of activities executed within the computingdevice;

continually monitoring, by the at least one processor of the firstcomputing device, in response to obtaining the permission from the user,the plurality of activities executed within the computing device for apredetermined period of time;

identifying, by the at least one processer of the first computingdevice, an indication of an incoming interaction session being initiatedwith the user within the predetermined period of time;

automatically verifying, by the at least one processor of the firstcomputing device, at least one session interaction parameter associatedwith the incoming interaction session to identify the incominginteraction session as a repeat interaction session when the at leastone session interaction parameter of the incoming interaction session isassociated with at least one of a particular entity, a particularindividual, or a particular physical location based on a database ofknown session interaction parameters;

dynamically retrieving, by the at least one processor of the firstcomputing device, at least one relation-specific notation from aplurality of relation-specific notations to display via the at least oneGUI having the at least one programmable GUI element when the at leastone relation-specific notation provides additional information to ahistorical data relationship between the first computing device and anincoming interaction associated with a second computing device;

instructing, by the at least one processor of the first computingdevice, to display an input GUI element via the at least one GUI that isprogrammed to receive input data associated with the incominginteraction associated with the second computing device;

automatically updating, by the at least one processor of the firstcomputing device, the plurality of relation-specific notationsassociated with the historical data relationship between the firstcomputing device and the second computing device based on the input datareceived via the input GUI element; and

instructing, by the at least one processor of the first computingdevice, to display a notification, via at least one programmable outputGUI element of the at least one GUI, identifying the update of theplurality of relation-specific notations in response to an indication ofthe incoming interaction associated with the second computing device.

-   2. The method according to clause 1, where the indication of the    incoming interaction session is an indication of an incoming phone    call.-   3. The method according to clause 1 or 2, where the at least one    session interaction parameter is a session initiation protocol    certificate.-   4. The method according to clause 1, 2, or 3, where dynamically    retrieving the at least one relation-specific notation from a    plurality of relation-specific notations includes displaying the at    least one GUI having the at least one programmable GUI element when    the at least one relation-specific notation provides additional    information to a historical data relationship between the first    computing device and a current interaction associated with a second    computing device.-   5. The method according to clause 1, 2, 3, or 4, where the second    computing device is a computing device associated with a merchant.-   6. The method according to clause 1, 2, 3, 4, or 5, where    instructing to display the input GUI element via the at least one    GUI includes automatically transcribing audio data associated with    the incoming interaction session associated with the second    computing device in real time.-   7. The method according to clause 1, 2, 3, 4, 5, or 6, further    including automatically updating a call screen associated with the    first computing device to display at least one relation specific    notation.-   8. The method according to clause 1, 2, 3, 4, 5, 6, or 7, the first    computing device is a smart phone associated with the user.-   9. A method may include:

obtaining, by at least one processor of a first computing deviceassociated with a user, via at least one graphical user interface (GUI)having at least one programmable GUI element, a permission from the userto monitor a plurality of activities executed within the computingdevice;

continually monitoring, by the at least one processor of the firstcomputing device, in response to obtaining the permission from the user,the plurality of activities executed within the computing device for apredetermined period of time;

identifying, by the at least one processer of the first computingdevice, an indication of an incoming interaction session being initiatedwith the user within the predetermined period of time;

automatically verifying, by the at least one processor of the firstcomputing device, at least one session interaction parameter associatedwith the incoming interaction session to identify the incominginteraction session as a repeat interaction session when the at leastone session interaction parameter of the incoming interaction session isassociated with at least one of a particular entity, a particularindividual, or a particular physical location based on a database ofknown session interaction parameters;

dynamically retrieving, by the at least one processor of the firstcomputing device, at least one relation-specific notation from aplurality of relation-specific notations to display via the at least oneGUI having the at least one programmable GUI element when the at leastone relation-specific notation provides additional information to ahistorical data relationship between the first computing device and anincoming interaction associated with a second computing device;

instructing, by the at least one processor of the first computingdevice, to display an input GUI element via the at least one GUI that isprogrammed automatically transcribe audio data associated with theincoming interaction session associated with the second computing devicein real time;

automatically updating, by the at least one processor of the firstcomputing device, the plurality of relation-specific notationsassociated with the historical data relationship between the firstcomputing device and the second computing device based on the input datareceived via the input GUI element; and

instructing, by the at least one processor of the first computingdevice, to display a notification, via at least one programmable outputGUI element of the at least one GUI, identifying the update of theplurality of relation-specific notations in response to an indication ofthe incoming interaction associated with the second computing device.

-   10. The method according to clause 9, where the indication of the    incoming interaction session is an indication of an incoming phone    call.-   11. The method according to clause 9 or 10, where the at least one    session interaction parameter is a session initiation protocol    certificate.-   12. The method according to clause 9, 10, or 11, where dynamically    retrieving the at least one relation-specific notation from a    plurality of relation-specific notations includes displaying the at    least one GUI having the at least one programmable GUI element when    the at least one relation-specific notation provides additional    information to a historical data relationship between the first    computing device and a current interaction associated with a second    computing device.-   13. The method according to clause 9, 10, 11, or 12, where the    second computing device is a computing device associated with a    merchant.-   14. The method according to clause 9, 10, 11, 12, or 13, further    including automatically updating a call screen associated with the    first computing device to display at least one relation specific    notation.-   15. The method according to clause 9, 10, 11, 12, 13, or 14, where    the first computing device is a smart phone associated with the    user.-   16. A system may include:

a non-transient computer memory, storing software instructions;

-   -   at least one processor of a first computing device associated        with a user;    -   wherein, when the at least one processor executes the software        instructions,    -   the first computing device is programmed to:        -   obtain via at least one graphical user interface (GUI)            having at least one programmable GUI element, a permission            from the user to monitor a plurality of activities executed            within the computing device;

continually monitor, in response to obtaining the permission from theuser, the plurality of activities executed within the computing devicefor a predetermined period of time;

identify an indication of an incoming interaction session beinginitiated with the user within the predetermined period of time;

automatically verify at least one session interaction parameterassociated with the incoming interaction session to identify theincoming interaction session as a repeat interaction session when the atleast one session interaction parameter of the incoming interactionsession is associated with at least one of a particular entity, aparticular individual, or a particular physical location based on adatabase of known session interaction parameters;

dynamically retrieve at least one relation-specific notation from aplurality of relation-specific notations to display via the at least oneGUI having the at least one programmable GUI element when the at leastone relation-specific notation provides additional information to ahistorical data relationship between the first computing device and anincoming interaction associated with a second computing device;

instruct the first computing device to display an input GUI element viathe at least one GUI that is programmed to automatically transcribeaudio data associated with the incoming interaction session associatedwith the second computing device in real time;

automatically update the plurality of relation-specific notationsassociated with the historical data relationship between the firstcomputing device and the second computing device based on the input datareceived via the input GUI element; and

instruct the first computing device to display a notification, via atleast one programmable output GUI element of the at least one GUI,identifying the update of the plurality of relation-specific notationsin response to an indication of the incoming interaction associated withthe second computing device.

-   17. The system according to clause 16, where the indication of the    incoming interaction session is an indication of an incoming phone    call.-   18. The system according to clause 16, or 17, where the at least one    session interaction parameter is a session initiation protocol    certificate.-   19. The system according to clause 16, 17, or 18, where the second    computing device is a computing device associated with a merchant.-   20. The system according to clause 16, 17, 18, or 19, where the    software instructions to instruct to display the input GUI element    via the at least one GUI include software instructions to    automatically transcribe audio data associated with the incoming    interaction session associated with the second computing device in    real time.

What is claimed is:
 1. A computer-implemented method comprising:obtaining, by at least one processor of a first computing deviceassociated with a user, via at least one graphical user interface (GUI)having at least one programmable GUI element, a permission from the userto monitor a plurality of activities executed within the computingdevice; continually monitoring, by the at least one processor of thefirst computing device, in response to obtaining the permission from theuser, the plurality of activities executed within the computing devicefor a predetermined period of time; identifying, by the at least oneprocesser of the first computing device, an indication of an incominginteraction session being initiated with the user within thepredetermined period of time; automatically verifying, by the at leastone processor of the first computing device, at least one sessioninteraction parameter associated with the incoming interaction sessionto identify the incoming interaction session as a repeat interactionsession when the at least one session interaction parameter of theincoming interaction session is associated with at least one of aparticular entity, a particular individual, or a particular physicallocation based on a database of known session interaction parameters;dynamically retrieving, by the at least one processor of the firstcomputing device, at least one relation-specific notation from aplurality of relation-specific notations to display via the at least oneGUI having the at least one programmable GUI element when the at leastone relation-specific notation provides additional information to ahistorical data relationship between the first computing device and anincoming interaction associated with a second computing device;instructing, by the at least one processor of the first computingdevice, to display an input GUI element via the at least one GUI that isprogrammed to receive input data associated with the repeat interactionsession associated with the second computing device; automaticallyupdating, by the at least one processor of the first computing device,the plurality of relation-specific notations associated with thehistorical data relationship between the first computing device ands thesecond computing device based on the input data received via the inputGUI element; and instructing, by the at least one processor of the firstcomputing device, to display a notification, via at least oneprogrammable output GUI element of the at least one GUI, identifying theupdate of the plurality of relation-specific notations in response tothe indication of the incoming interaction associated with the secondcomputing device.
 2. The computer-implemented method of claim 1, whereinthe indication of the incoming interaction session is an indication ofan incoming phone call.
 3. The computer-implemented method of claim 1,wherein the at least one session interaction parameter is a sessioninitiation protocol certificate.
 4. The computer-implemented method ofclaim 1, wherein dynamically retrieving the at least onerelation-specific notation from a plurality of relation-specificnotations comprises displaying the at least one GUI having the at leastone programmable GUI element when the at least one relation-specificnotation provides additional information to a historical datarelationship between the first computing device and a currentinteraction associated with a second computing device.
 5. Thecomputer-implemented method of claim 1, wherein the second computingdevice is a computing device associated with a merchant.
 6. Thecomputer-implemented method of claim 1, wherein instructing to displaythe input GUI element via the at least one GUI comprises automaticallytranscribing audio data associated with the incoming interaction sessionassociated with the second computing device in real time.
 7. Thecomputer-implemented method of claim 1, further comprising automaticallyupdating a call screen associated with the first computing device todisplay at least one relation specific notation.
 8. Thecomputer-implemented method of claim 1, wherein the first computingdevice is a smart phone associated with the user.
 9. Acomputer-implemented method comprising: obtaining, by at least oneprocessor of a first computing device associated with a user, via atleast one graphical user interface (GUI) having at least oneprogrammable GUI element, a permission from the user to monitor aplurality of activities executed within the computing device;continually monitoring, by the at least one processor of the firstcomputing device, in response to obtaining the permission from the user,the plurality of activities executed within the computing device for apredetermined period of time; identifying, by the at least one processerof the first computing device, an indication of an incoming interactionsession being initiated with the user within the predetermined period oftime; automatically verifying, by the at least one processor of thefirst computing device, at least one session interaction parameterassociated with the incoming interaction session to identify theincoming interaction session as a repeat interaction session when the atleast one session interaction parameter of the incoming interactionsession is associated with at least one of a particular entity, aparticular individual, or a particular physical location based on adatabase of known session interaction parameters; dynamicallyretrieving, by the at least one processor of the first computing device,at least one relation-specific notation from a plurality ofrelation-specific notations to display via the at least one GUI havingthe at least one programmable GUI element when the at least onerelation-specific notation provides additional information to ahistorical data relationship between the first computing device and anincoming interaction associated with a second computing device;instructing, by the at least one processor of the first computingdevice, to display an input GUI element via the at least one GUI that isprogrammed automatically transcribe audio data associated with therepeat interaction session associated with the second computing devicein real time; automatically updating, by the at least one processor ofthe first computing device, the plurality of relation-specific notationsassociated with the historical data relationship between the firstcomputing device and the second computing device based on the input datareceived via the input GUI element; and instructing, by the at least oneprocessor of the first computing device, to display a notification, viaat least one programmable output GUI element of the at least one GUI,identifying the update of the plurality of relation-specific notationsin response to the indication of the incoming interaction associatedwith the second computing device.
 10. The computer-implemented method ofclaim 9, wherein the indication of the incoming interaction session isan indication of an incoming phone call.
 11. The computer-implementedmethod of claim 9, wherein the at least one session interactionparameter is a session initiation protocol certificate.
 12. Thecomputer-implemented method of claim 9, wherein dynamically retrievingthe at least one relation-specific notation from a plurality ofrelation-specific notations comprises displaying the at least one GUIhaving the at least one programmable GUI element when the at least onerelation-specific notation provides additional information to ahistorical data relationship between the first computing device and acurrent interaction associated with a second computing device.
 13. Thecomputer-implemented method of claim 9, wherein the second computingdevice is a computing device associated with a merchant.
 14. Thecomputer-implemented method of claim 9, further comprising automaticallyupdating a call screen associated with the first computing device todisplay at least one relation specific notation.
 15. Thecomputer-implemented method of claim 9, wherein the first computingdevice is a smart phone associated with the user.
 16. A systemcomprising: a non-transient computer memory, storing softwareinstructions; at least one processor of a first computing deviceassociated with a user; wherein, when the at least one processorexecutes the software instructions, the first computing device isprogrammed to: obtain via at least one graphical user interface (GUI)having at least one programmable GUI element, a permission from the userto monitor a plurality of activities executed within the computingdevice; continually monitor, in response to obtaining the permissionfrom the user, the plurality of activities executed within the computingdevice for a predetermined period of time; identify an indication of anincoming interaction session being initiated with the user within thepredetermined period of time; automatically verify at least one sessioninteraction parameter associated with the incoming interaction sessionto identify the incoming interaction session as a repeat interactionsession when the at least one session interaction parameter of theincoming interaction session is associated with at least one of aparticular entity, a particular individual, or a particular physicallocation based on a database of known session interaction parameters;dynamically retrieve at least one relation-specific notation from aplurality of relation-specific notations to display via the at least oneGUI having the at least one programmable GUI element when the at leastone relation-specific notation provides additional information to ahistorical data relationship between the first computing device and anincoming interaction associated with a second computing device; instructthe first computing device to display an input GUI element via the atleast one GUI that is programmed to automatically transcribe audio dataassociated with the repeat interaction session associated with thesecond computing device in real time; automatically update the pluralityof relation-specific notations associated with the historical datarelationship between the first computing device and the second computingdevice based on the input data received via the input GUI element; andinstruct the first computing device to display a notification, via atleast one programmable output GUI element of the at least one GUI,identifying the update of the plurality of relation-specific notationsin response to the indication of the incoming interaction associatedwith the second computing device.
 17. The system of claim 16, whereinthe indication of the incoming interaction session is an indication ofan incoming phone call.
 18. The system of claim 16, wherein the at leastone session interaction parameter is a session initiation protocolcertificate.
 19. The system of claim 16, wherein the second computingdevice is a computing device associated with a merchant.
 20. The systemof claim 16, wherein the software instructions to instruct to displaythe input GUI element via the at least one GUI comprise softwareinstructions to automatically transcribe audio data associated with theincoming interaction session associated with the second computing devicein real time.